Lots to consider about bonds, but please be aware there is a yearly administrative fee on the bond. That added amount is roughly 5% to 10% of the bond payment due. People often neglect that extra cost, but it can be significant when building the multi-year model of costs.
I pulled up a 30 year bond schedule at random. Totals:
Principle 22450 Int @4.3% 17300 Admin 2800 (about $95/yr) Total 42550 (admin fee added = 7.04% of prin + int)
Bond interest rates are much higher for new builds, but closer to this for recent builds.
A few other monthly costs you should consider for your budget.
The amenity fee pays for the rec facilities. It gets raised to the current highest amount upon purchase, I think around $204/month now. This is not the yearly maintenance fee (infrastructure maintenance) that comes in the tax bill.
Other monthly costs are water, sewer, and trash. Water here is a lot more $ than other states. Plan around $100 to $175 a month for these 3 things.
If you buy where there is natural gas plan about $35/month.
Electricity will depend upon things you run all the time (lights, alexa devices, tv boxes, computers, music, chargers) and things on demand (a/c, TV, cooking, vacuums, etc). Could be $100/month to $300/month. More in mid summer than spring or fall (a/c).
Lastly, search for threads about home owner's insurance costs.
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